We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
A Financial Standby Letter of Credit (financial SBLC) is a bank instrument used to backstop a payment obligation. It is designed to be drawn if the applicant fails to pay an amount that is due under an underlying agreement. In practice, it is a payment support tool for trade payables, lease payments, settlement obligations, and other monetary commitments where the beneficiary wants bank-grade recourse. For the broader SBLC baseline and common structures, see SBLC Uses, Costs and Application Process and SBLC FAQ.
The difference is simple and it matters because it changes drafting, risk, and bank appetite. A financial SBLC covers money not paid. A performance SBLC covers work not performed. If you also want the dedicated definition page for performance instruments, see Performance Standby Letter of Credit Definition.
Financial standbys show up when the beneficiary wants protection that survives counterparty stress. They are common where credit terms exist, where goods or services are delivered before payment, or where a payment schedule is extended over time. A documentary letter of credit is often used to pay against shipping documents. A financial SBLC is a backstop if payment fails after the fact. If you are choosing between the two tools, start with SBLC vs Documentary Letter of Credit.
Most financial standbys are issued under ISP98. Some corridors still use UCP 600 for standby issuance, depending on bank practice. The rules and the exact wording shape how strict the draw is, how disputes play out, and how quickly a bank can process a presentation. Use ISP98 vs URDG 758 vs UCP 600 and the UCP 600 Guide as your starting point.
A financial SBLC is documentary. The issuing bank examines whether the beneficiary presented the required documents, in the required form, within the stated timeframes and at the place of presentation. It does not adjudicate the underlying dispute. If you want the operational sequence from presentation to payment, read What Happens When an SBLC Is Drawn.
Banks issue financial standbys based on applicant strength, exposure policy, collateral plan, tenor, and jurisdiction profile. Marketing language does not create issuance. The file needs clean KYC, a credible underlying transaction, and clear instrument wording. If you are working with MT760 delivery and want to understand what “compliant” means in practice, see MT760 SBLC Provider Process (ISP98 / UCP 600 compliant).
Acceptance is not just “a bank name on paper.” Counterparties look at issuer quality, ruleset, draw mechanics, authentication path, and whether the instrument text matches the underlying agreement. If your goal is to evidence capacity before a counterparty commits, separate tools exist, such as proof of funds services. If your SBLC is part of a financing, confirmation, or discounting conversation, read issuance, confirmation, and discounting explained.
If your transaction is real, the clean path is simple. Align the underlying contract, define the payment trigger, draft the SBLC conditions, and build a credit support plan that survives bank compliance. If you skip those steps, you will end up in broker chains, fake “leasing” claims, or instruments that cannot be authenticated. If you want clause-by-clause guidance, use SBLC Wording Guide.
If you have a live obligation, a defined beneficiary, and you can support KYC, legal review, and instrument drafting, we can confirm the viable issuance route and requirements.
Submit Your DealDisclaimer: This page is for general information only and does not constitute advice, an offer, or a solicitation. Financely operates as a transaction-led capital advisory desk and is not a bank or lender. Any SBLC, bank guarantee, or related facility is subject to underwriting, KYC, AML, sanctions screening, legal review, document finalization, and approvals by relevant regulated parties.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
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All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
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Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
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Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
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